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BOBCARD Eterna vs BOBCARD Tiara

Side-by-side comparison of the BOBCARD Eterna and the BOBCARD Tiara. Verify fees, lounge access, forex markup, and base rewards before you apply.

Eterna
Tiara

The short answer

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    Eterna ₹2,499 Waivable at ₹2,50,000 spend
    Tiara ₹2,499 Waivable at ₹2,50,000 spend
  • Forex markup Forex markup outcome: tie.
    Eterna 2%
    Tiara 2%
  • Domestic lounge Domestic lounge outcome: tie.
    Eterna Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
    Tiara Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
  • Rewards Rewards outcome: insufficient data to compare.
    Eterna ~0.8%
    Tiara Not safely INR-comparable
    conservative base value
    Eterna: Strong data Tiara: Limited data

Reward earning explained

Eterna

3 pts / ₹100 · 15 points/₹100 on eligible dining, international, online, shopping, and travel

Strong data
Tiara

3 pts / ₹100

Limited data

Example usage at this monthly spend

At ₹50k/month spend:

  • BOBCARD Eterna: ~₹380/month at base rate
  • BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

All fields

Field Eterna BOBCARD Tiara BOBCARD
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
 Unlimited Unlimited
Forex / International Use
Forex markup 2% 2%
Fees
Recurring annual fee ₹2,499 ₹2,499
Annual-fee waiver ₹2,50,000 ₹2,50,000
Monthly interest rate 3.75% / month 3.75% / month
Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap
Rewards
Points per ₹100 3 pts / ₹100 3 pts / ₹100
Conservative base value
~0.8% vs Not safely INR-comparable
 ~0.8% Not safely INR-comparable
Earn ceiling
5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel vs Not stated
 5,000 points per statement cycle — shared across Dining, International spend, Online shopping, Shopping & Travel Not stated
Point value (headline channel)
Issuer headline redemption rate — see each card page for the full channel grid.
Only available for BOBCARD Eterna
 ₹0.25 Not specified

Notes

  • BOBCARD Eterna Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
  • BOBCARD Tiara Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

BOBCARD Eterna

BOBCARD Tiara

Data refreshed through 2 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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